| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | Bank | 4 | $405.7M | 30.02% |
| 2 | KeyBank National Association | Bank | 3 | $273.3M | 20.22% |
| 3 | Beginnings Credit Union | Credit union | 2 | $186.5M* | 13.80% |
| 4 | Americu Credit Union | Credit union | 1 | $115.4M* | 8.54% |
| 5 | Tompkins Bank & Trust | Bank | 1 | $96.0M | 7.10% |
| 6 | The Summit Federal Credit Union | Credit union | 1 | $87.3M* | 6.46% |
| 7 | The First National Bank of Dryden | Bank | 2 | $83.4M | 6.17% |
| 8 | Visions Federal Credit Union | Credit union | 1 | $82.1M* | 6.07% |
| 9 | Chemung Canal Trust Company, National Association | Bank | 1 | $21.8M | 1.61% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.35B | 9 | 16 | NBT Bank, National Association | 30.0% | 1,743 |
| 2025 | $1.34B | 9 | 16 | NBT Bank, National Association | 29.6% | 1,718 |
| 2024 | $1.39B | 10 | 18 | NBT Bank, National Association | 26.6% | 1,608 |
| 2023 | $1.49B | 11 | 19 | NBT Bank, National Association | 24.1% | 1,463 |
| 2022 | $1.54B | 11 | 19 | NBT Bank, National Association | 23.9% | 1,452 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.